What’s Covered With Overdraft?
We Offer Two Different Types Of Overdraft Privilege
Overdraft Privilege (Opted-Out)
Standard Overdraft Privilege will be automatically in place for ACH transfers and checks as well as automatic bill payments and recurring Debit Card transactions (subscriptions, memberships, etc.)
Overdraft Privilege (Opted-In)
Opting-in to Overdraft Privilege offers all the features of Standard Overdraft Privilege with additional protection on:
- ATM transactions
- Debit card transactions
*We pay overdrafts at our discretion, which means we do not guarantee that we will always
authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.
Repaying Your Overdraft Balance
- You have up to 30 days to repay your overdraft balance before your account is closed.
- If you are unable to pay off the balance within that time we can discuss setting up a repayment plan (account must be overdrawn for 20 days before repayment terms can be discussed).
Signing Up For Overdraft Privilege Is Easy!
You can opt-in for increased overdraft privilege by completing the form below, visiting a branch, or contacting us at 405-682-1990.
*Please fill in all contact information below so a representative can reach out to you to gather the required signed document to update your checking account to reflect opted-in status or opted-out status.